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I had a student loan that I assumed was discharged way back in 1991 ina BK filing (student loans stopped being automatically dischargeable in 1998), the program never challened the discharge, and I heard nothing more from this until the following started to appear on my Experian CR (not the other two).  It says that the loan was opened in 1987, which is a good 7 years AFTER I actually originated mine, that the status is "open" with an original balance of around 16K, now with interest it has ballooned to over 240K.  

My question is, why is this appearing now, when I have had zero communication from any student loan servicing center in over 30 years.  Could this be mistakenly reported, and if so should I try to clear it, or just lay low.  I have not received any bills or statement requesting any kind of monthly payment.

The CR also states that 0% has been paid off, and that there is a "zero" monthly payment.


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